ALLOWANCE FOR CREDIT LOSSES, NONPERFORMING ASSETS, AND CONCENTRATIONS OF CREDIT RISK (Tables)

9 Months Ended

Sep. 30, 2017

Schedule of changes in the allowance for credit losses

A summary of changes in the allowance for credit losses is presented below:



	Three Months Ended September 30, 2017									Nine Months Ended September 30, 2017
(in millions)	Commercial			Retail			Total			Commercial			Retail			Total
Allowance for loan and lease losses, beginning of period		$614			$605			$1,219			$663			$573			$1,236
Charge-offs	(12		)	(108		)	(120		)	(60		)	(321		)	(381		)
Recoveries	12			43			55			27			127			154
Net charge-offs	—			(65		)	(65		)	(33		)	(194		)	(227		)
Provision charged to income	24			46			70			8			207			215
Allowance for loan and lease losses, end of period	638			586			1,224			638			586			1,224
Reserve for unfunded lending commitments, beginning of period	93			—			93			72			—			72
Provision for unfunded lending commitments	2			—			2			23			—			23
Reserve for unfunded lending commitments, end of period	95			—			95			95			—			95
Total allowance for credit losses, end of period		$733			$586			$1,319			$733			$586			$1,319



	Three Months Ended September 30, 2016									Nine Months Ended September 30, 2016
(in millions)	Commercial			Retail			Total			Commercial			Retail			Total
Allowance for loan and lease losses, beginning of period		$676			$570			$1,246			$596			$620			$1,216
Charge-offs	(33		)	(112		)	(145		)	(53		)	(331		)	(384		)
Recoveries	14			48			62			23			130			153
Net charge-offs	(19		)	(64		)	(83		)	(30		)	(201		)	(231		)
Provision (credited) charged to income	(2		)	79			77			89			166			255
Allowance for loan and lease losses, end of period	655			585			1,240			655			585			1,240
Reserve for unfunded lending commitments, beginning of period	61			—			61			58			—			58
Provision for unfunded lending commitments	9			—			9			12			—			12
Reserve for unfunded lending commitments, end of period	70			—			70			70			—			70
Total allowance for credit losses, end of period		$725			$585			$1,310			$725			$585			$1,310

Schedule of loans and leases based on evaluation method

The recorded investment in loans and leases based on the Company’s evaluation methodology is presented below:



	September 30, 2017						December 31, 2016
(in millions)	Commercial		Retail		Total		Commercial		Retail		Total
Individually evaluated		$444		$759		$1,203		$424		$799		$1,223
Formula-based evaluation	51,937		57,011		108,948		51,227		55,219		106,446
Total		$52,381		$57,770		$110,151		$51,651		$56,018		$107,669

Schedule of allowance for credit losses by evaluation method

A summary of the allowance for credit losses by evaluation method is presented below:



	September 30, 2017						December 31, 2016
(in millions)	Commercial		Retail		Total		Commercial		Retail		Total
Individually evaluated		$46		$35		$81		$63		$43		$106
Formula-based evaluation	687		551		1,238		672		530		1,202
Allowance for credit losses		$733		$586		$1,319		$735		$573		$1,308

Schedule of classes of commercial loans and leases based on regulatory classifications

The recorded investment in commercial loans and leases based on regulatory classification ratings is presented below:



	September 30, 2017
			Criticized
(in millions)	Pass		Special Mention		Substandard		Doubtful		Total
Commercial		$35,309		$1,368		$770		$259		$37,706
Commercial real estate	10,737		514		146		29		11,426
Leases	3,155		73		21		—		3,249
Total		$49,201		$1,955		$937		$288		$52,381



	December 31, 2016
			Criticized
(in millions)	Pass		Special Mention		Substandard		Doubtful		Total
Commercial		$35,010		$1,015		$1,027		$222		$37,274
Commercial real estate	10,146		370		58		50		10,624
Leases	3,583		52		103		15		3,753
Total		$48,739		$1,437		$1,188		$287		$51,651

Schedule of retail loan investments categorized by delinquency status

The recorded investment in classes of retail loans, categorized by delinquency status is presented below:



	September 30, 2017
			Days Past Due
(in millions)	Current		1-29		30-59		60-89		90 or More		Total
Residential mortgages		$16,323		$141		$31		$10		$114		$16,619
Home equity loans	1,306		101		14		6		56		1,483
Home equity lines of credit	12,874		419		54		23		185		13,555
Home equity loans serviced by others	538		32		9		4		16		599
Home equity lines of credit serviced by others	125		20		3		1		17		166
Automobile	11,917		1,087		197		54		56		13,311
Education	7,803		135		23		12		41		8,014
Credit cards	1,673		47		11		8		15		1,754
Other retail	2,170		60		17		12		10		2,269
Total		$54,729		$2,042		$359		$130		$510		$57,770



	December 31, 2016
			Days Past Due
(in millions)	Current		1-29		30-59		60-89		90 or More		Total
Residential mortgages		$14,807		$108		$53		$12		$135		$15,115
Home equity loans	1,628		127		23		7		73		1,858
Home equity lines of credit	13,432		396		57		20		195		14,100
Home equity loans serviced by others	673		41		14		5		17		750
Home equity lines of credit serviced by others	158		25		3		2		31		219
Automobile	12,509		1,177		172		38		42		13,938
Education	6,379		151		24		13		43		6,610
Credit cards	1,611		43		12		9		16		1,691
Other retail	1,676		45		8		4		4		1,737
Total		$52,873		$2,113		$366		$110		$556		$56,018

Schedule of nonperforming loans and leases by class

The following table presents nonperforming loans and leases and loans accruing and 90 days or more past due:



	Nonperforming				Accruing and 90 days or more past due
(in millions)	September 30, 2017		December 31, 2016		September 30, 2017		December 31, 2016
Commercial		$297		$322		$5		$2
Commercial real estate	28		50		2		—
Leases	—		15		—		—
Total commercial	325		387		7		2
Residential mortgages⁽¹⁾	124		144		15		18
Home equity loans	76		98		—		—
Home equity lines of credit	236		243		—		—
Home equity loans serviced by others	26		32		—		—
Home equity lines of credit serviced by others	21		33		—		—
Automobile	66		50		—		—
Education	38		38		3		5
Credit card	15		16		—		—
Other retail	5		4		5		1
Total retail	607		658		23		24
Total		$932		$1,045		$30		$26

⁽¹⁾ Nonperforming balances exclude first lien residential mortgage loans that are 100% guaranteed by the Federal Housing Administration. These loans, which are accruing and 90 days or more past due, totaled $15 million and $18 million as of September 30, 2017 and December 31, 2016, respectively. Nonperforming balances also exclude guaranteed residential mortgage loans sold to GNMA for which the Company has the right, but not the obligation, to repurchase. These loans totaled $28 million and $32 million as of September 30, 2017 and December 31, 2016, respectively. These loans are consolidated on the Company’s Consolidated Balance Sheets.

Schedule of nonperforming assets

A summary of other nonperforming assets is presented below:



(in millions)	September 30, 2017		December 31, 2016
Nonperforming assets, net of valuation allowance:
Commercial		$—		$—
Retail	37		49
Nonperforming assets, net of valuation allowance		$37		$49

Summary of key performance indicators

A summary of key performance indicators is presented below:



	September 30, 2017		December 31, 2016
Nonperforming commercial loans and leases as a percentage of total loans and leases	0.30	%	0.36	%
Nonperforming retail loans as a percentage of total loans and leases	0.55		0.61
Total nonperforming loans and leases as a percentage of total loans and leases	0.85	%	0.97	%

Nonperforming commercial assets as a percentage of total assets	0.21	%	0.26	%
Nonperforming retail assets as a percentage of total assets	0.43		0.47
Total nonperforming assets as a percentage of total assets	0.64	%	0.73	%

Analysis of age of past due amounts

An analysis of the age of both accruing and nonaccruing loan and lease past due amounts is presented below:



	September 30, 2017								December 31, 2016
	Days Past Due								Days Past Due
(in millions)	30-59		60-89		90 or More		Total		30-59		60-89		90 or More		Total
Commercial		$39		$5		$302		$346		$36		$4		$324		$364
Commercial real estate	4		2		30		36		1		2		50		53
Leases	5		—		—		5		1		—		15		16
Total commercial	48		7		332		387		38		6		389		433
Residential mortgages	31		10		114		155		53		12		135		200
Home equity loans	14		6		56		76		23		7		73		103
Home equity lines of credit	54		23		185		262		57		20		195		272
Home equity loans serviced by others	9		4		16		29		14		5		17		36
Home equity lines of credit serviced by others	3		1		17		21		3		2		31		36
Automobile	197		54		56		307		172		38		42		252
Education	23		12		41		76		24		13		43		80
Credit cards	11		8		15		34		12		9		16		37
Other retail	17		12		10		39		8		4		4		16
Total retail	359		130		510		999		366		110		556		1,032
Total		$407		$137		$842		$1,386		$404		$116		$945		$1,465

Schedule of impaired loans by class

A summary of impaired loans by class is presented below:



	September 30, 2017
(in millions)	Impaired Loans With a Related Allowance		Allowance on Impaired Loans		Impaired Loans Without a Related Allowance		Unpaid Contractual Balance		Total Recorded Investment in Impaired Loans
Commercial		$231		$45		$185		$491		$416
Commercial real estate	24		1		4		39		28
Total commercial	255		46		189		530		444
Residential mortgages	23		2		117		185		140
Home equity loans	42		4		83		167		125
Home equity lines of credit	16		1		181		242		197
Home equity loans serviced by others	31		2		19		60		50
Home equity lines of credit serviced by others	3		—		6		13		9
Automobile	4		—		19		30		23
Education	159		18		20		179		179
Credit cards	25		7		1		26		26
Other retail	5		1		5		11		10
Total retail	308		35		451		913		759
Total		$563		$81		$640		$1,443		$1,203



	December 31, 2016
(in millions)	Impaired Loans With a Related Allowance		Allowance on Impaired Loans		Impaired Loans Without a Related Allowance		Unpaid Contractual Balance		Total Recorded Investment in Impaired Loans
Commercial		$247		$55		$134		$431		$381
Commercial real estate	39		8		4		44		43
Total commercial	286		63		138		475		424
Residential mortgages	37		2		141		235		178
Home equity loans	51		3		94		191		145
Home equity lines of credit	23		1		173		240		196
Home equity loans serviced by others	41		4		19		70		60
Home equity lines of credit serviced by others	2		—		7		13		9
Automobile	4		—		15		25		19
Education	154		25		1		155		155
Credit cards	26		6		—		26		26
Other retail	10		2		1		13		11
Total retail	348		43		451		968		799
Total		$634		$106		$589		$1,443		$1,223

Schedule of additional information on impaired loans

Additional information on impaired loans is presented below:



	Three Months Ended September 30,
	2017				2016
(in millions)	Interest Income Recognized		Average Recorded Investment		Interest Income Recognized		Average Recorded Investment
Commercial		$1		$391		$1		$340
Commercial real estate	—		33		—		40
Total commercial	1		424		1		380
Residential mortgages	—		137		1		169
Home equity loans	1		125		2		153
Home equity lines of credit	2		192		2		192
Home equity loans serviced by others	—		51		1		64
Home equity lines of credit serviced by others	—		9		—		9
Automobile	—		21		—		17
Education	3		178		1		159
Credit cards	—		25		—		25
Other retail	—		10		1		12
Total retail	6		748		8		800
Total		$7		$1,172		$9		$1,180



	Nine Months Ended September 30,
	2017				2016
(in millions)	Interest Income Recognized		Average Recorded Investment		Interest Income Recognized		Average Recorded Investment
Commercial		$3		$402		$4		$277
Commercial real estate	—		39		—		53
Total commercial	3		441		4		330
Residential mortgages	3		128		3		161
Home equity loans	4		124		5		151
Home equity lines of credit	5		178		5		182
Home equity loans serviced by others	2		51		3		64
Home equity lines of credit serviced by others	—		9		—		9
Automobile	—		18		—		14
Education	7		178		5		157
Credit cards	1		23		1		25
Other retail	—		10		1		13
Total retail	22		719		23		776
Total		$25		$1,160		$27		$1,106

Troubled debt restructurings on financing receivables

The table below summarizes how loans were modified during the three months ended September 30, 2017, the charge-offs related to the modifications, and the impact on the ALLL. The reported balances can include loans that became TDRs during the three months ended September 30, 2017 and were paid off in full, charged off, or sold prior to September 30, 2017.



	Primary Modification Types
	Interest Rate Reduction ⁽¹⁾					Maturity Extension ⁽²⁾
(dollars in millions)	Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
Commercial	3		$1		$1	17		$8		$7
Commercial real estate	—	—		—		1	—		—
Leases	—	—		—		—	—		—
Total commercial	3	1		1		18	8		7
Residential mortgages	13	1		2		15	1		2
Home equity loans	25	2		1		—	—		—
Home equity lines of credit	11	1		1		86	11		11
Home equity loans serviced by others	3	—		—		—	—		—
Home equity lines of credit serviced by others	—	—		—		—	—		—
Automobile	28	1		1		8	—		—
Education	—	—		—		—	—		—
Credit cards	661	3		3		—	—		—
Other retail	—	—		—		—	—		—
Total retail	741	8		8		109	12		13
Total	744		$9		$9	127		$20		$20



	Primary Modification Types
	Other ⁽³⁾
(dollars in millions)	Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Net Change to ALLL Resulting from Modification			Charge-offs Resulting from Modification
Commercial	7		$28		$30		$—			$—
Commercial real estate	1	—		—		—			—
Leases	—	—		—		—			—
Total commercial	8	28		30		—			—
Residential mortgages	38	3		3		(1		)	—
Home equity loans	49	3		3		—			—
Home equity lines of credit	110	6		7		—			1
Home equity loans serviced by others	11	1		—		—			—
Home equity lines of credit serviced by others	8	1		—		—			—
Automobile	392	7		6		—			1
Education	67	2		2		—			—
Credit cards	—	—		—		1			—
Other retail	2	—		—		—			—
Total retail	677	23		21		—			2
Total	685		$51		$51		$—			$2

⁽¹⁾ Includes modifications that consist of multiple concessions, one of which is an interest rate reduction.

⁽²⁾ Includes modifications that consist of multiple concessions, one of which is a maturity extension (unless one of the other concessions was an interest rate reduction).

⁽³⁾ Includes modifications other than interest rate reductions or maturity extensions, such as lowering scheduled payments for a specified period of time, principal forgiveness, and capitalizing arrearages. Also included are the following: deferrals, trial modifications, certain bankruptcies, loans in forbearance and prepayment plans. Modifications can include the deferral of accrued interest resulting in post modification balances being higher than pre-modification.

The table below summarizes how loans were modified during the three months ended September 30, 2016, the charge-offs related to the modifications, and the impact on the ALLL. The reported balances can include loans that became TDRs during the three months ended September 30, 2016 and were paid off in full, charged off, or sold prior to September 30, 2016.



	Primary Modification Types
	Interest Rate Reduction ⁽¹⁾					Maturity Extension ⁽²⁾
(dollars in millions)	Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
Commercial	3		$—		$—	8		$1		$1
Commercial real estate	—	—		—		—	—		—
Leases	—	—		—		—	—		—
Total commercial	3	—		—		8	1		1
Residential mortgages	28	3		3		33	6		5
Home equity loans	36	2		2		2	—		1
Home equity lines of credit	20	1		2		56	6		6
Home equity loans serviced by others	7	1		1		—	—		—
Home equity lines of credit serviced by others	2	—		—		1	—		—
Automobile	26	1		1		6	—		—
Education	—	—		—		—	—		—
Credit cards	544	3		3		—	—		—
Other retail	2	—		—		—	—		—
Total retail	665	11		12		98	12		12
Total	668		$11		$12	106		$13		$13



	Primary Modification Types
	Other ⁽³⁾
(dollars in millions)	Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Net Change to ALLL Resulting from Modification		Charge-offs Resulting from Modification
Commercial	4		$6		$5		$4		$—
Commercial real estate	—	—		—		—		—
Leases	—	—		—		—		—
Total commercial	4	6		5		4		—
Residential mortgages	55	5		5		—		—
Home equity loans	52	3		3		—		—
Home equity lines of credit	94	8		7		—		1
Home equity loans serviced by others	17	1		1		—		—
Home equity lines of credit serviced by others	6	—		1		—		—
Automobile	264	5		5		—		—
Education	108	2		2		1		—
Credit cards	—	—		—		1		—
Other retail	3	—		—		—		—
Total retail	599	24		24		2		1
Total	603		$30		$29		$6		$1

⁽¹⁾ Includes modifications that consist of multiple concessions, one of which is an interest rate reduction.

⁽²⁾ Includes modifications that consist of multiple concessions, one of which is a maturity extension (unless one of the other concessions was an interest rate reduction).

The table below summarizes how loans were modified during the nine months ended September 30, 2017, the charge-offs related to the modifications, and the impact on the ALLL. The reported balances can include loans that became TDRs during the nine months ended September 30, 2017 and were paid off in full, charged off, or sold prior to September 30, 2017.



	Primary Modification Types
	Interest Rate Reduction ⁽¹⁾					Maturity Extension ⁽²⁾
(dollars in millions)	Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
Commercial	7		$2		$2	35		$22		$21
Commercial real estate	—	—		—		1	—		—
Leases	—	—		—		—	—		—
Total commercial	7	2		2		36	22		21
Residential mortgages	56	6		7		50	9		10
Home equity loans	68	4		4		1	—		—
Home equity lines of credit	41	2		2		204	26		26
Home equity loans serviced by others	14	1		1		—	—		—
Home equity lines of credit serviced by others	3	—		—		2	—		—
Automobile	93	2		2		23	—		—
Education	—	—		—		—	—		—
Credit cards	1,850	10		10		—	—		—
Other retail	1	—		—		—	—		—
Total retail	2,126	25		26		280	35		36
Total	2,133		$27		$28	316		$57		$57



	Primary Modification Types
	Other ⁽³⁾
(dollars in millions)	Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Net Change to ALLL Resulting from Modification			Charge-offs Resulting from Modification
Commercial	12		$64		$65		$1			$—
Commercial real estate	1	—		—		—			—
Leases	—	—		—		—			—
Total commercial	13	64		65		1			—
Residential mortgages	122	13		13		(1		)	—
Home equity loans	192	11		11		—			—
Home equity lines of credit	295	20		20		—			1
Home equity loans serviced by others	41	2		1		—			—
Home equity lines of credit serviced by others	21	2		1		—			—
Automobile	1,017	18		16		—			3
Education	235	4		4		1			—
Credit cards	—	—		—		3			—
Other retail	5	—		—		(1		)	—
Total retail	1,928	70		66		2			4
Total	1,941		$134		$131		$3			$4

⁽¹⁾ Includes modifications that consist of multiple concessions, one of which is an interest rate reduction.

⁽²⁾ Includes modifications that consist of multiple concessions, one of which is a maturity extension (unless one of the other concessions was an interest rate reduction).

The table below summarizes how loans were modified during the nine months ended September 30, 2016, the charge-offs related to the modifications, and the impact on the ALLL. The reported balances can include loans that became TDRs during the nine months ended September 30, 2016 and were paid off in full, charged off, or sold prior to September 30, 2016.



	Primary Modification Types
	Interest Rate Reduction ⁽¹⁾					Maturity Extension ⁽²⁾
(dollars in millions)	Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
Commercial	11		$1		$1	62		$9		$9
Commercial real estate	—	—		—		—	—		—
Leases	—	—		—		—	—		—
Total commercial	11	1		1		62	9		9
Residential mortgages	53	7		7		49	9		8
Home equity loans	65	4		4		39	4		5
Home equity lines of credit	33	2		3		83	9		9
Home equity loans serviced by others	13	1		1		—	—		—
Home equity lines of credit serviced by others	4	—		—		5	1		1
Automobile	77	2		2		14	—		—
Education	—	—		—		—	—		—
Credit cards	1,625	9		9		—	—		—
Other retail	3	—		—		—	—		—
Total retail	1,873	25		26		190	23		23
Total	1,884		$26		$27	252		$32		$32



	Primary Modification Types
	Other ⁽³⁾
(dollars in millions)	Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Net Change to ALLL Resulting from Modification			Charge-offs Resulting from Modification
Commercial	13		$47		$46		$3			$—
Commercial real estate	—	—		—		—			—
Leases	—	—		—		—			—
Total commercial	13	47		46		3			—
Residential mortgages	186	20		20		—			—
Home equity loans	233	14		14		(1		)	—
Home equity lines of credit	218	16		15		—			1
Home equity loans serviced by others	51	2		2		—			—
Home equity lines of credit serviced by others	19	1		1		—			—
Automobile	803	15		14		—			1
Education	405	8		8		3			—
Credit cards	—	—		—		2			—
Other retail	11	—		—		—			—
Total retail	1,926	76		74		4			2
Total	1,939		$123		$120		$7			$2

⁽¹⁾ Includes modifications that consist of multiple concessions, one of which is an interest rate reduction.

⁽²⁾ Includes modifications that consist of multiple concessions, one of which is a maturity extension (unless one of the other concessions was an interest rate reduction).

Schedule of defaults

The table below summarizes TDRs that defaulted within 12 months of their modification date during the three and nine months ended September 30, 2017 and 2016, respectively. For purposes of this table, a payment default refers to a loan that becomes 90 days or more past due under the modified terms. Amounts represent the loan’s recorded investment at the time of payment default. Loan data includes loans meeting the criteria that were paid off in full, charged off, or sold prior to September 30, 2017 and 2016, respectively. If a TDR of any loan type becomes 90 days past due after being modified, the loan is written down to the fair value of collateral less cost to sell. The amount written off is charged to the ALLL.



	Three Months Ended September 30,						Nine Months Ended September 30,
	2017			2016			2017			2016
(dollars in millions)	Number of Contracts	Balance Defaulted		Number of Contracts	Balance Defaulted		Number of Contracts	Balance Defaulted		Number of Contracts	Balance Defaulted
Commercial	2		$4	5		$1	7		$5	16		$4
Commercial real estate	—	—		—	—		1	4		1	—
Total commercial	2	4		5	1		8	9		17	4
Residential mortgages	35	5		57	7		121	15		146	19
Home equity loans	12	—		14	—		35	1		39	3
Home equity lines of credit	55	4		48	4		152	11		93	8
Home equity loans serviced by others	6	—		7	—		16	—		28	1
Home equity lines of credit serviced by others	4	—		3	—		8	—		14	—
Automobile	42	—		43	—		103	1		80	1
Education	5	1		15	—		41	1		46	1
Credit cards	116	—		117	1		344	2		323	2
Other retail	2	—		2	—		4	—		2	—
Total retail	277	10		306	12		824	31		771	35
Total	279		$14	311		$13	832		$40	788		$39

Schedule of loans that may increase credit exposure

The following tables present balances of loans with these characteristics:



	September 30, 2017
(in millions)	Residential Mortgages		Home Equity Loans and Lines of Credit		Home Equity Products Serviced by Others		Credit Cards		Education		Total
High loan-to-value		$436		$260		$319		$—		$—		$1,015
Interest only/negative amortization	1,738		—		—		—		1		1,739
Low introductory rate	—		—		—		165		—		165
Multiple characteristics and other	2		—		—		—		—		2
Total		$2,176		$260		$319		$165		$1		$2,921



	December 31, 2016
(in millions)	Residential Mortgages		Home Equity Loans and Lines of Credit		Home Equity Products Serviced by Others		Credit Cards		Education		Total
High loan-to-value		$566		$550		$476		$—		$—		$1,592
Interest only/negative amortization	1,582		—		—		—		1		1,583
Low introductory rate	—		—		—		112		—		112
Multiple characteristics and other	3		—		—		—		—		3
Total		$2,151		$550		$476		$112		$1		$3,290